Best Seattle Homeowners Insurance Quotes (2025)
Travelers and Chubb offer the best homeowners insurance policies in Seattle.
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Written byDanny Smith
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Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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Edited bySara Getman
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Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
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Table of contents
The average cost of home insurance in Seattle is $1,380 per year for a policy with $300,000 in dwelling coverage and a $500 deductible. Surrounded by the Puget Sound and Lake Washington, Seattle is naturally prone to flooding, which can cause major home damage. The Emerald City is also prone to earthquakes, so homeowners should consider extra coverage to protect against these events.
If you’re looking for the best home insurance in Seattle, here are the top companies to get you started.
Quick Facts
Home insurance in Seattle is less expensive than the national average of $2,584 per year.
Seattle has the highest burglary rate of any major U.S. city.
Seattle residents pay less than the annual Washington state average of $1,470.
Best home insurance companies in Seattle
You have numerous quality home insurance companies in Seattle to choose from. While certain insurers stand out, the best home insurance company for you depends on your situation, budget, and needs.
It’s crucial to compare home insurance quotes from multiple companies before buying a home insurance policy to ensure you pick one that suits you.[1]
Best company for flood insurance: Travelers
TravelersCompare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.8/10 |
|---|---|
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 609 |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $167/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $261/mo |
Travelers is the best home insurance company in Seattle for flood insurance. The company partners with Neptune Flood to offer its flood insurance policies, allowing homeowners to avoid going through the National Flood Insurance Program (NFIP). Travelers offers additional coverage options to help protect against flooding, including temporary living expenses, loss of rental income, and pool repair coverage.
Pros
Affordable home insurance policies
Discounts for green homes
Can file a claim online
Cons
Flood policies won’t cover manufactured or mobile homes
Low Trustpilot rating
Not as many discounts as some competitors
Best company for high-value homes: Chubb
ChubbCompare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.8/10 |
|---|---|
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 688 |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $303/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $457/mo |
Chubb is the best home insurance company for high-value homes in Seattle. It’s more expensive than many other companies, but it comes with features not typically included in standard home insurance, such as extended replacement cost, complimentary home appraisals, and its unique HomeScan service that uses infrared to catch problems behind your walls and ceilings before they cause damage.
Pros
Offers a free home appraisal service
Many discounts available
Top customer satisfaction rating in J.D. Power’s 2024 U.S. Home Insurance Study
Cons
More expensive than other companies
Quotes not available online
Low Trustpilot rating
Best company for affordability: Allstate
AllstateCompare personalized, real-time quotes
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.2/10 |
|---|---|
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 631 |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $188/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $282/mo |
Seattle homeowners looking for affordable coverage should check out Allstate. The insurer boasts some of the cheapest rates and also offers numerous discounts, including a multi-policy discount, new homeowner discount, smart home discounts, and more. If you prefer working in person, Allstate has numerous agents and offices in Seattle.
Pros
Affordable policies
Multiple offices and agents in Seattle
Many discounts available
Cons
Above-average number of complaints with the National Association of Insurance Commissioners (NAIC)
Low Trustpilot rating
Mid-range J.D. Power rating for customer satisfaction
Our editorial team analyzed regional and national home insurance companies that sell policies in Seattle to assess which offer the best rates, coverage options, customer service, and savings to homeowners. We prioritized competitive rates, 24/7 customer service, homeownership discounts or bundling options, and specialty or supplemental coverages.
Cheapest home insurance companies in Seattle
Allstate is the cheapest home insurance company in Seattle, with an average annual rate of $862 for a policy with $300,000 in dwelling insurance. Take a look at the table below to see the other cheapest home insurance companies in Seattle.
Insurance Company  | Average Annual Premium |
|---|---|
| Allstate | $862 |
| Nationwide | $925 |
| PEMCO | $946 |
| Armed Forces Insurance Exchange | $956 |
| Travelers | $976 |
| State Farm | $1,219 |
| USAA | $1,406 |
How much is home insurance in Seattle?
The average cost of home insurance in Seattle is $1,380 per year for a $300,000 dwelling insurance policy with a $500 deductible. Various factors affect how much you’ll pay for your home insurance policy, including your home’s age, whether your home is in a flood zone, and your coverage limits, deductible, and credit history.
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Cost of home insurance by dwelling coverage in Washington
Your dwelling coverage limit directly affects how much you pay for home insurance. The higher your coverage limits are, the more expensive your home insurance premiums will be. With higher coverage limits, your insurance company is on the hook for more damages, so it’ll increase your premiums to account for the additional financial risk.
Here’s how rates fluctuate in Washington based on dwelling coverage amounts.
Coverage Limit | Average Annual Premium |
|---|---|
| $100,000 | $773 |
| $200,000 | $1,121 |
| $300,000 | $1,470 |
| $400,000 | $1,854 |
| $500,000 | $2,248 |
Cost of homeowners insurance by deductible amount
Your home insurance deductible also affects your premium. Your deductible is the amount you’ll pay out of pocket before your home insurance coverage kicks in.
The cost of your premium is inversely correlated to your deductible amount. The higher your deductible, the lower your premium will be. The lower your deductible, the higher your premium will be, as your insurance company is on the hook for increased damages.
Deductible Amount | Average Annual Premium |
|---|---|
| $500 | $1,380 |
| $1,000 | $1,318 |
Average cost of home insurance in other cities in Washington
The average cost of home insurance varies from city to city and even by ZIP code, as every area comes with different risks. Some neighborhoods carry a greater risk for flooding, while others experience higher rates of break-ins. These are just a couple of reasons why your home insurance rate may differ from your neighbors.
The table below shows how annual premiums vary for different cities in Washington.
City | Average Annual Premium |
|---|---|
| Bellevue | $1,363 |
| Everett | $1,520 |
| Kennewick | $1,557 |
| Olympia | $1,373 |
| Redmond | $1,416 |
| Seattle | $1,318 |
| Spokane | $1,455 |
| Tacoma | $1,557 |
| Vancouver | $1,456 |
| Yakima | $1,680 |
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What to know about owning a home in Seattle
Owning a home in Seattle gives you a place to relax in one of the nation’s prettiest regions, but it comes with certain drawbacks and considerations:
Earthquakes
While California is often the first place that comes to mind when considering earthquakes, Seattle is also no stranger to them. In 2024, the city experienced 14 earthquakes above magnitude 3, which, in some cases, can damage homes. While you can purchase earthquake insurance in addition to standard home insurance to offset this risk, it can be quite expensive. Alternatively, you can give your home earthquake protection upgrades, such as foundation anchoring, to prevent damage from earthquakes.
Flooding
Seattle is also prone to flooding, which standard home insurance doesn’t cover. Some home insurance companies offer separate flood policies, but in some cases, you’ll need to get a flood insurance policy through the NFIP. Not every homeowner is required to carry flood insurance, but in some flood-prone zones, your lender may require you to have it.
Home costs
Seattle is one of the most expensive cities to buy a home in, meaning that its home insurance rates will also be higher. These are important factors to consider before buying a home in the Seattle area. It’s crucial to compare home insurance quotes from multiple companies before buying a home insurance policy.
Seattle home insurance FAQs
If you’re shopping for home insurance in Seattle, check out the additional information below as you research your coverage options.
The average annual cost of home insurance in Seattle is $1,380 for a $300,000 dwelling insurance policy and a $500 deductible and $1,318 for the same policy with a $1,000 deductible. If you live in an area prone to floods, your mortgage lender will most likely require you to buy flood insurance, which can increase your total home insurance costs.[2]
Allstate has the cheapest home insurance in Seattle, with an average annual premium of $862.
Whether you should buy earthquake insurance in Seattle depends on your risk tolerance. Earthquake damage can be quite expensive, but so can earthquake insurance. Talk with your insurance company or insurance agent about whether earthquake insurance makes sense for you and your home.
Yes. Most standard home insurance policies cover damage from riots. They also cover damages from civil commotion or vandalism. Ask your insurance company if your home insurance policy covers these damages.[3]
The 80/20 rule for home insurance isn’t a hard rule but an industry standard that suggests you should insure your home for at least 80% of its replacement cost. If you insure your home for less than 80% of its replacement cost, your home insurance company might not fully pay out your claim.[4]
Methodology
Insurify data scientists analyzed rates from more than 180 home insurance companies sourced directly from Insurify’s partner companies and Quadrant Information Services. Rates span all 50 states and Washington, D.C., and quote averages represent the mean price for a given coverage level and geographic area. To ensure data reliability, only insurers meeting minimum quote thresholds were included in the analysis.
Unless otherwise specified, quoted rates reflect the average cost for homeowners with no prior claims and good credit with a home construction year of 1980. The default coverage assumptions include:
Default Coverage Assumptions
- Dwelling coverage: $300,000
- Deductible: $1,000
- Personal property limit: $25,000
- Liability limit: $300,000
Additional data points beyond these default values are sourced from Insurify’s proprietary database. Rates are updated monthly.
Sources
- III. "Home buyer's insurance guide."
- Washington state Office of the Insurance Commissioner. "Flood insurance."
- III. "Civil disorders and insurance."
- NAIC. "A Consumer's Guide to Home Insurance."
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Danny Smith
Danny is a Brooklyn-based writer with a producer’s license for property and casualty insurance. A former editor at Insurify, he specializes in auto, home, and pet insurance. He works to translate his insurance expertise into digestible, easy-to-understand content for drivers, homeowners, and pet owners alike.
Danny has been a contributor at Insurify since March 2022.
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.